LIABILITY INSURANCE
Covers bodily injury and property damage you cause to others in an accident, a must for DUI insurance compliance.
WHY PAY MORE?
GET AFFORDABLE DUI INSURANCE RATES
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WHAT TYPES OF DUIS CAN I INSURE WITH CINCO?
Aggravated DUI
Involves higher BAC levels or other severe factors, leading to harsher penalties and higher insurance rates for DUI offenders.
Underage DUI
Applies to drivers under 21 with any detectable alcohol levels, often requiring higher-risk insurance due to legal restrictions.
Commercial DUI
Involves driving a commercial vehicle under the influence, leading to stricter penalties and the need for commercial DUI insurance coverage.
Drug DUI
Involves driving under the influence of drugs, whether legal or illegal, and requires specialized high-risk insurance for drivers convicted.
Extreme DUI
Occurs when a driver’s BAC is significantly above the legal limit, typically resulting in increased insurance rates and coverage requirements.
Felony DUI
A serious offense involving multiple DUI convictions or extreme circumstances, leading to high-risk insurance for an extended period of time.
Misdemeanor DUI
A less severe DUI offense compared to felony DUI, but still requires DUI insurance for a period, based on state requirements.
Wet Reckless
A lesser offense than DUI, often resulting from a plea deal, requiring high-risk insurance but at a lower cost than typical DUI insurance.
WHY IS CINCO THE BEST CHOICE FOR DUI INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR DUI INSURANCE?
COLLISION COVERAGE
Pays for repairs or replacement of your vehicle after a collision, regardless of fault, and helps with accidents related to DUI.
COMPREHENSIVE COVERAGE
Covers damage from non-collision events like theft, vandalism, or weather, ensuring protection after a DUI incident.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Protects against accidents involving drivers with inadequate insurance, ensuring you're covered in the event of a DUI-related accident.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
Covers medical expenses for you and your passengers after an accident, regardless of fault, particularly in cases involving DUI incidents.
PERSONAL INJURY PROTECTION (PIP)
Covers medical costs, lost wages, and other expenses from a DUI accident, regardless of who is at fault.
ROADSIDE ASSISTANCE
Provides help like towing, flat tire repair, or battery jump-starts, useful if your vehicle breaks down following a DUI-related incident.
TOWING AND LABOR COVERAGE
Covers towing and labor costs after an accident or breakdown, ensuring quick recovery, especially after DUI incidents.
ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE
Pays benefits in case of death or severe injury in an accident, including those related to DUI crashes.
RENTAL CAR COVERAGE
Provides coverage for rental car costs while your vehicle is being repaired after a DUI accident, ensuring no gap in transportation.
HOW IT WORKS
EXPLORE
Visit our website to learn about the easy process of securing DUI insurance customized to your specific requirements.
CONNECT
Contact our auto insurance agents, ready to guide you through your DUI insurance journey and help you make an informed decision.
COMPARE
Evaluate and compare different insurance plans and quotes with us to ensure you get the best coverage at the right price without compromising quality.
WHAT IS DUI INSURANCE?
DUI insurance is a specialized type of auto insurance designed for drivers with a DUI (Driving Under the Influence) violation on their record. It's often referred to as such because it mainly serves customers who find it difficult to get standard car insurance due to a DUI conviction. This insurance helps offenders access the standard coverage required by law and get back to driving on the road legally.
DUI insurance generally comes with higher premiums due to the increased risk associated with policyholders with a DUI record. Most insurance providers may need an SR-22 form to be filed as proof of financial responsibility. Some policies offer options that encourage drivers to enhance their driving records, such as discounts for enrolling in a defensive driving or alcohol education course.
WHAT IS THE DIFFERENCE BETWEEN DUI INSURANCE AND SR-22 INSURANCE?
SR-22 and DUI insurance have different purposes, even though they are related to driving offenses, such as the ones below:
DUI insurance offers coverage tailored to the specific needs of drivers with DUI convictions. The SR-22 certificate attests that they have the required coverage.
DUI insurance addresses the elevated risk linked to DUI offenders, whereas SR-22 ensures you comply with the state minimum requirement for car insurance.
DUI insurance is required to drive legally following a DUI, whereas the state mandates SR-22 after severe traffic offenses, including DUI convictions.
DUI insurance provides specific plans for high-risk drivers, whereas SR-22 only verifies to the state that you have an existing insurance policy.
The duration of DUI insurance depends on the requirement, whereas SR-22 is generally needed for a specified amount of time, typically three years.
FACTORS THAT IMPACT DUI INSURANCE RATES
Your insurer mainly determines your premiums by assessing a range of factors, such as your driving record, which includes any DUI convictions. Although there are average estimates for DUI insurance rates, these can differ greatly depending on personal situations. Certain elements, such as the severity of your DUI, may impact your rates. Someone with a more serious conviction will face a substantial increase in their rates. Here are some factors that determine your insurance rates:
DUI Conviction Severity
Number of DUI Offenses
Driving History
Age and Gender
Location (State or ZIP Code)
Insurance Coverage Limits
Type of Vehicle Insured
Length of Time Since Conviction
Completion of DUI Programs (e.g., alcohol education)
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Continuous Insurance Coverage
WHO IS REQUIRED TO HAVE DUI INSURANCE?
DUI insurance is a must-have for policyholders who have a DUI conviction on their record. It helps them regain their legal driving privileges and offers protection against a range of perils on the road. This type of insurance is essential to protect against liability claims and road accidents and comply with the state's regulations regarding auto insurance. This type of insurance is always needed after a DUI offense, whether you take out your car daily or rarely. Here are the people who most need it:
Individuals convicted of DUI (Driving Under the Influence).
Drivers who have had their license suspended or revoked due to DUI.
Drivers whose insurance has been canceled or non-renewed due to DUI.
Drivers involved in serious DUI-related accidents.
Drivers required by the state to file an SR-22 certificate.
Individuals with multiple DUI convictions.
Commercial drivers convicted of DUI.
Drivers who have been ordered by the court to maintain DUI insurance.
WHY IS DUI INSURANCE NECESSARY?
HOW DOES DUI INSURANCE WORK?
DUI insurance is designed to provide the necessary auto insurance coverage for individuals with a DUI conviction, enabling them to comply with laws and regain their driving privileges. Following such an offense, most insurance providers may categorize you as a high-risk driver due to your compromised history and impose stringent conditions. It includes options like liability, collision, and comprehensive coverage.
Getting DUI insurance begins with notifying your insurance company about your DUI conviction. They will then either modify your current policy or offer you a specialized plan. Some insurers may require you to complete specific programs, such as defensive driving or alcohol education courses, to lower your risk and decrease your premiums. These programs are meant to teach cautious driving.
HOW MUCH DUI INSURANCE DO I NEED?
The amount of DUI insurance you need varies depending on your state's minimum liability requirements and your specific situation. Following a DUI conviction, drivers usually have to maintain higher liability limits to show financial responsibility, particularly if an SR-22 form is required. Fulfilling these state-mandated requirements allows you to drive legally again, but it may also be wise to consider getting additional coverage, such as collision or comprehensive coverage.
DUI charges can affect your rates, causing higher premiums. Car and Driver states that if you have multiple DUIs or serious offenses, such as those involving accidents, you may face even steeper increases. Some carriers might cancel your policy entirely, leading to a lapse in coverage and further penalties.
WHAT DISCOUNTS CAN I GET ON DUI INSURANCE?
DUI insurance can be expensive, especially if you have a record of violations or are classified as a high-risk driver. Luckily, many auto insurance providers offer a range of discounts to help lower your premiums, ensuring affordability. However, each comes with its own criteria. For instance, bundling your home and auto insurance with the same provider can result in specific reductions. Remember to ask your agent to explore ways to save whenever you purchase coverage. Here are some discounts to consider:
Good Driver Discount
Defensive Driving Course Discount
Multi-Vehicle Discount
Multi-Policy Discount
Paid-in-Full Discount
Loyalty Discount
Low Mileage Discount
Electronic Payments Discount
Anti-Theft Device Discount
Telematics Discount
HOW MUCH DOES DUI INSURANCE COST?
DUI impact can vary widely, but a single conviction typically raises the annual cost of full coverage auto insurance by about $2,198, translating to roughly $183 per month. This rise is due to the increased risk associated with drivers with a DUI on their record. Policyholders who settle for state minimum coverage face significant increases in their annual rates.
Due to driving under the influence, the average minimum liability insurance costs can nearly double, from $664 to $1,309 annually. However, the actual rates differ based on various factors. For instance, individuals who have committed severe offenses or reside in high-accident areas may be charged higher premiums compared to those with less severe crimes or in safer regions.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE DUI INSURANCE QUOTE?
Obtaining DUI insurance is relatively straightforward, but it does require your attention. You must provide complete and accurate information regarding your driving history, including any DUI convictions and the circumstances that led to them. If you submit invalid information or skip necessary details, it can delay or complicate the claims procedure down the line. There are several essential requirements for an accurate DUI insurance quote; the following are some of the most common ones:
GET A FREE DUI INSURANCE QUOTE
Are you feeling overwhelmed at the thought of purchasing car insurance with a DUI? Don't be. CINCO makes it easy—get in touch to receive your first free quote, even if you have a DUI on your record.
Once you submit the form, our agents will call you shortly. Our agents can help you find the best plans with a DUI record, giving you a chance to start fresh and put your mind at ease. They will evaluate your situation and develop a strategy tailored to your needs. You can rely on us to help find affordable carriers to meet your needs.
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